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Family Health Insurance Plans

Family health insurance is a single plan that helps pay medical bills for your whole family—like your spouse, children, parents, or in-laws. It offers financial protection during medical emergencies, and usually costs less per person than separate plans.

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Nidhi Goyal
Written by:
Nidhi Goyal
Nidhi Goyal
Nidhi Goyal

Content Manager- Care Health Insurance

Nidhi comes with versatility in writing about education, health, motivation, and many more industries. Her 6+ years of experience make her competent at educating readers about insurance, and covering their health and travel insurance related queries. From the core, she lives a spiritual life, spreading peace all around. Moreover, apart from writing web and print content, writing poems recreates her creativity and passion for writing.

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Munmi Sharma
Munmi Sharma
Munmi Sharma

Health Insurance Expert at Care Health Insurance

Munmi is an insurance expert with a passion for storytelling and keen eye for detail. With 10+years of experience in the digital marketing industry, her expertise in the insurance domain combines with experience and perfection in refining written content. When not crafting and editing a piece of content, she also loves to paint the canvas, explore new places and people, binge watching, cooking and playing badminton.

What is Family Health Insurance?

Family health insurance provides financial security against unforeseen medical emergencies and illnesses for your family. Under family health insurance plans, the policyholder can cover themselves, their parents, spouse, dependent children, and elders by paying a standard premium. Any insured family member can use the sum insured entirely or partly to pay hospitalisation expenses and other medical costs.

The Comprehensive Annual Modular Survey (CAMS) from the NSS 79th round (2022-23) reveals that 61.5% of urban households and 59.9% of rural households in the country have at least one member with health coverage.

With our medical insurance plans for family, you can cover all family members under one plan, simplifying your healthcare management. That’s how health insurance for families offers a protective shield to all your loved ones under one financial umbrella.

Select from the Best Family Health Insurance Plans

At Care Health Insurance, we meet the diverse healthcare needs of every household with some of our best family health insurance plans in India. Here are some of our top-selling the best medical insurance for family:

  • Ultimate CareA Health Plan That Covers You in Need and Rewards You for Staying Fit!
  • Care SupremeHealth Plan with Capless Coverage for You and Your Loved Ones!
  • Care AdvantageHealth Insurance with Global Medical Coverage.
  • Care Supreme- SeniorHealth Insurance Offering Health Security During the 60s.
Ultimate Care

Ultimate Care

Health insurance plans for family provide medical and financial security coverage to the whole famil
  • Money Back feature for every block of 5 claim-free years.
  • 100% boost in coverage upon continuous renewal.
  • Double sum insured upon 7 continuous claim-free years.
  • Tenure multiplier for one big claim up to the limit of the remaining SI.
  • Cover Amount₹5 lakh
  • Starting At₹372/month
  • Buy Now
Care Supreme

Care Supreme

Health Plan with Capless Coverage for You and Your Loved Ones!
  • Cumulative Bonus Super to boost coverage up to 500% in 5 years.
  • Advanced Technology Methods and AYUSH Treatments Covered.
  • Unlimited Automatic Recharge during the policy year.
  • No Sub-limits on Room Rent or ICU charges.
  • Cover Amount₹5 lakh
  • Starting At₹651/month
  • Buy Now
Care Advantage

Care Advantage

Health Insurance with Global Medical Coverage.
  • Domestic + Global Medical Coverage up to 6Cr.
  • Advanced Technology Treatment covered up to SI.
  • 10% No Claim Bonus for every Claim-free year, maximum up to 50%.
  • Unlimited E-consultations from General Physicians.
  • Cover Amount₹1 Crore
  • Starting At₹1305/month
  • Buy Now
Care Supreme Senior

Care Supreme- Senior

Health Insurance Offering Health Security During the 60s.
  • Health Cover without a mandatory pre-policy medical checkup.
  • Cumulative Bonus Super to boost coverage up to 500% in 5 years.
  • Unlimited Automatic Recharge during the policy period.
  • Unlimited E-consultations from General Physicians.
  • Cover Amount₹5 lakh
  • Starting At₹1535/month
  • Buy Now

Why Do You Need a Family Health Insurance Plan?

Rather than buying multiple individual health insurance policies, securing your loved ones under a family health insurance plan can save you the stress of paying multiple premiums and choosing various policies. Here are a few things that a mediclaim insurance policy for a family offers:

 

Shield Against Healthcare Inflation

Even a single hospital stay can cost lakhs and drain your household savings. A  health insurance with family coverage lowers the financial burden by covering medical treatment, doctor’s consultations, medications, etc.

 

Protection From Lifestyle Diseases

Lifestyle diseases are the new normal. However, benefits such as annual health check-ups can prevent the worsening of issues and keep you and your loved ones safe.

 

Affordable Healthcare & Financial Security

Getting a medical insurance for family at an early age saves you from hefty medical bills while lowering the premium rates. The EMI option makes premium payments more accessible and budget-friendly.

 

Facilitates Cashless Hospitalisation

In the face of a constant financial crunch, medical bills are best paid through a cashless facility under medical insurance for family. Especially when living with a family, cashless claims help you focus on recovery.

 

Relief Amid Chronic Illnesses

Over 20% of Indians suffer from chronic conditions like cancer, heart ailments, diabetes, etc. Family health insurance coverage helps you bear the treatment costs of prolonged illnesses and treatments.

How Does Family Medical Insurance Work?

Family medical insurance is a comprehensive health insurance plan that provides coverage for your entire family under a single policy, rather than purchasing separate plans for each member. A family health insurance plan is a shared wallet for health expenses. Finding the best health insurance policy for family means choosing a plan that balances coverage, cost, and convenience.

Shared Sum Insured

There is a single Sum Insured for all, which is shared by all insured family members. You get one combined Sum Insured that all members can use, based on who needs it and when. It’s practical, flexible, and usually more affordable under mediclaim for the family.
Example

Let’s say a family of four (two adults and two children) buys a health insurance policy with a Sum Insured of ₹10 lakh. A few months into the policy year, one adult is hospitalised and the treatment costs ₹3 lakh. The policy covers the expense, and the remaining coverage is now ₹7 lakh.

Later in the same year, one child needed medical care costing ₹2 lakh. This is again covered under the same policy, and now the balance Sum Insured is ₹5 lakh. The remaining ₹5 lakh can be used by any of the insured family members if any health issue arises within the same policy year.

 

Premium

You pay one premium annually (or in EMIs), which is lower than buying individual policies for each person. Read the waiting periods & exclusions carefully, and renew the policy on time to avoid losing benefits.

Features of Our Top Family Health Insurance Plans

Secure Your Family’s Wellbeing with Advanced Health Coverage When it comes to protecting your loved ones, opt for health insurance for family that offers more than just basic coverage. Care Supreme and Ultimate Care are advanced family health insurance solutions that combine wide-ranging benefits with smart savings and wellness support. Discover what sets these plans apart:

KEY FEATURES Care Supreme Family Plan Ultimate Care Family Plan
Sum Insured Options 5L*/7L/10L/15L/25 L/ 50 L/1 Cr 5L/7L/10L/15L/20L/25 L/ 50 L/1 Cr
Cumulative Bonus 50% of base SI per year, irrespective of claim, max up to 100% 50% of base SI per year, irrespective of claim, max up to 100%
Unlimited Automatic Recharge Up to SI Up to SI
In-Patient Care Up to SI Up to SI
Day Care Treatment All Day Care Procedures All Day Care Procedures
Pre-Hospitalisation Medical Expenses 60 days 60 days
Post-Hospitalisation Medical Expenses 180 days 90 days
AYUSH Treatment Up to SI Up to SI
Ambulance Cover Up to Rs 10,000 per year for SI < 15 Lakhs & Up to SI for Policy SI >= 15 Lakh for road ambulance Up to SI Any mode of transport, such as road, air, etc.
Organ Donor Cover Up to SI Up to SI
Cumulative Bonus Booster/Infinity Bonus (add-on) Yes Yes
Loyalty Boost NA Yes
Money Back NA Yes
Tenure Multiplier NA Yes
Be-Fit (add-on) Yes  
Wellness Discount Yes Yes
Domiciliary Hospitalisation Up to SI Up to SI
Health Care Services Up to SI Up to SI

*Disclaimer: The sum insured option of 5 lakh is not available for Zone-1 cities.

Benefits of Our Family Health Insurance Plan

The best mediclaim policy for family covers all the family members under one insurance plan. Apart from this, there are various other benefits of investing in a family health insurance, like: The premium of the best health insurance for a family is lower than that of individual health plans. If you are looking for good health insurance for family, take a look at the other benefits of family health plans:

Unlimited Care

One claim in the lifetime of the policy without any limits on the Sum Insured can be raised under the mediclaim for family. Opt-in is optional and available at policy inception only.

Up to 100% Cumulative Bonus

We reward your family for maintaining good health by offering a cumulative bonus of up to 100% of SI, irrespective of claims made.

Unlimited Automatic Recharge

A growing family’s healthcare needs are diverse and never-ending. Thus, we offer you a family health policy that never runs out of coverage amount, with the benefit of unlimited automatic recharge of the sum insured.

Premium Payback

In case no hospitalisation-related claim is made for the preceding 5 consecutive policy years, then the first policy year premium of the base plan shall be refunded in every block of 5 years, subject to subsequent renewal of the policy.

Loyalty Boost

An additional SI equal to the first policy year’s sum insured will be added to policy coverage after 7 consecutive claim-free years, once in a policy lifetime.

With Care Family Health Insurance Policies, you can customise the policy features to match your family's healthcare needs. You can opt for adequate coverage amount and tenure while choosing the required set of additional benefits.

Infinity Bonus

Boost your coverage by 100% of the SI upon each renewal, regardless of claims made. There’s no upper limit to the benefit.

Medi Voucher

Two pharmacy vouchers of Rs 250 each per policy shall be provided on the 1st renewal.

Annual Health Check-Up

With the annual health check-up add-on benefit, you can ensure that all elderly insured members’ health is tracked promptly. Under this benefit, you can avail yourself of a cashless health check-up for all adult-insured members at any of the Care Health Insurance network labs once a year, as per the standard terms and conditions.

Complete Health Coverage

Our Family Health Insurance Plans offer coverage and benefits, including pre- and post-hospitalisation, day-care treatment, and ambulance cover. Family health plans also provide benefits like cumulative bonuses, annual health check-ups, automatic recharge of the sum insured, and more.

Cashless Treatment

With our vast network of 21700+ cashless healthcare providers, you get worry-free hospital stays. We promise quality medical care at the best price. Our network hospitals ensure timely healthcare services without financial stress.

Customisable Health Benefits

Apart from the built-in features of the chosen policy, you can also add optional benefits to the best health insurance for family as per your requirements. For example, Cumulative Bonus Super, Modification of PED Wait Period, or Instant Cover. Our curated family health insurance India options are built to meet diverse needs. You can opt for an adequate coverage amount and tenure while choosing the required set of additional benefits.

Freedom to Add Members

A family health cover provides you with the flexibility to add new members to the existing plan. In a family floater medical insurance plan, you can add a child between 91-180 days mid-year; if older, add them at renewal. Spouse can be added only at renewal.In order to add a new member, you only need to inform the insurer, fill out the Change Request Form they gave you upon visiting the branch office, and pay an additional premium.

Policy Portability

If the person is continuously covered without lapses, they can port the entire policy (including all family members) to another insurer. Then the insured person can receive continuity benefits as per the IRDAI rules. According to IRDAI porting guidelines, the porting must be made at least 30 days before the policy, but not more than 60 days. Documents required for portability are- portability form, copy of the existing policy, KYC details, and documents related to claim listing (if any).

Taxability on Health Insurance

A health insurance for family offers dual advantages: it covers the medical expenses of all insured members under one plan and provides tax benefits on the premium paid.

Under Section 80D of the Income Tax Act, 1961, policyholders can claim deductions of up to ₹25,000 if below 60 years of age, and up to ₹ 75,000 if above 60. The table below explains how you can maximise these tax benefits:

Category Amount of premium paid Deductions available under Section 80D
Self, family, and children Parents
Individuals and their parents who are below 60 ₹25,000 ₹25,000 ₹50,000
Individuals and their family who are below 60, but parents are above 60 ₹25,000 ₹50,000 ₹75,000

What is Covered under Our Family Health Insurance Plans?

Our family health plans combine affordability and coverage, making it easier to care for every member of your family. Comprehensive benefits and wider coverage help us serve you the best mediclaim policy for your family.Our best mediclaim policy for family in India offers the following benefits and features that are built into a policy:

 

In-Patient Care

The treatment expenses of the insured are covered if hospitalised for more than 24 hours. You may either raise a cashless or reimbursement claim of up to SI.

 

Day Care Treatment

You do not have to worry about daycare procedures such as cataract treatment, dialysis, etc., as they are covered under our family’s best health insurance plans.

 

Pre and Post-Hospitalization

Family health insurance plans offer optimum security, from tests and doctor’s fees to post-treatment hospital visits-with up to 60 days of pre-hospitalisation coverage and 180 days of post-hospitalisation coverage.

 

Advanced Treatment Methods

We enhance your coverage with robotic surgeries and therapies to treat critical illnesses at specialised healthcare centres. Get coverage up to the sum insured.

 

Wellness Benefit

Up to 30% discounts on the renewal premium if you successfully achieve the healthy days’ target (1 healthy day = 10,000 steps in a day).

 

AYUSH Treatment

When modern medications fail, traditional treatments can be helpful and handy. Family floater plans offer coverage for alternative treatments (Ayurvedic, Yoga, Naturopathy, Unani, Sidha and Homoeopathy) up to the sum insured.

 

Domiciliary Hospitalization

When you need special care at home, we cover domiciliary hospitalisation expenses up to the SI as per policy terms.

 

Ambulance Cover

Family floater plans relieve you from medical expenses incurred in hiring an ambulance with adequate coverage, so you can immediately avail of treatment.

What are the Add-ons in Family Health Insurance?

Add-ons are the extended coverage that you can purchase for your existing health insurance family plans by paying an extra premium. Here is the list of various add-ons that you can purchase with family health insurance:

  • Tenure Multiplier: BIt allows the insured to combine the Sum Insured of a multi-year policy for a single claim. It can be availed once across the entire policy tenure in case of a multi-year policy. It is advised to read the policy terms and conditions carefully.
  • Claim Shield: This add-on benefit provides coverage for non-payable items under Annexure I (List I, II, III, and IV).
  • Plus Benefit: A specific additional amount will be available to the insured members for all claims under base benefits. It is subject to some conditions, such as it is available only after the exhaustion of the Base Sum Insured and more.
  • Early Renewal Discount:Enjoy a 5% discount on renewing your policy 30 days before your due date or 2.5% within the 30 days.
  • Be-Fit Plus: An insured person, above 12 years of age, may avail unlimited visits to the fitness centres in a policy year at the company’s network, as per policy terms and conditions.
  • Instant Cover: Lifestyle diseases such as Asthma, Hypertension, Hyperlipidemia, and Diabetes generally come with extensive waiting periods in the case of health insurance. However, with instant cover, you can waive the waiting period and get coverage for the ailments under set T&C after an initial waiting period of 30 days.
  • PED Wait Period Modification: The waiting period of claims related to PED shall be modified to a specific period as mentioned in the policy schedule.

What is Not Covered under Family Health Insurance Plans?

Our family health insurance is a comprehensive plan designed to offer exhaustive coverage for all the insured members. However, certain conditions may be out of our plan's coverage for our plans. The standard exclusions are as mentioned here:

Please check the policy terms and conditions for a detailed list of exclusions for a family health insurance plan. Finding the best health insurance plans for family doesn’t mean settling for less; choose a plan that balances cost and coverage perfectly.

  • Self-inflicted injuries resulting from suicide or attempted suicide
  • Diseases, surgeries, or medical events occurring within 30 days of the policy start date
  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
  • Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion, and their consequences
  • Tests and treatments relating to infertility and in vitro fertilisation
  • War, riot, strike, nuclear weapons-induced hospitalisation
  • External Congenital Diseases

Who Can Be Covered Under a Family Health Insurance Policy?

A family mediclaim policy covers a maximum of two adults and two dependent children. In a family with three children, only two will be covered under one family floater medical insurance. Let us take an example of different combinations that can all be covered in a family health insurance plan.

Combination No. Adult 1 Adult 2 Child 1 Child 2
1 Self Spouse - -
2 Self Spouse Yes -
3 Self Spouse Yes Yes
4 Self(Single Parent) NA Yes Yes
5 Spouse NA Yes Yes
  • Proposing A Policy: Proposing a mediclaim policy means you will pay their premium, and they will get covered under the chosen plan. An adult can propose a policy to themselves, their Spouse/ live-in partner/ same-sex partner, their son or daughter, their father, their mother, their mother-in-law, their father-in-law, their grandfather, or their grandmother.
  • Tenure Discount: We offer discounts on premiums on a 5-year policy tenure. 7.5% discount on 2nd year premium, 10% on third year premium, 12.5% on fourth year and 15% on the fifth year.

Eligibility Criteria under the Family Mediclaim

Cashless health insurance plans for family are available to individuals who meet the eligibility guidelines per policy terms and conditions. Take a look at some of the following set of standard eligibility conditions:

Minimum Entry Age Individual- 18 years
Floater- 91 days with at least 1 insured person of age 18 years or above
Maximum Entry Age Lifelong
Premium Payable on Renewal Subject to change with prior approval from IRDAI
Waiting Period
  • Initial Waiting Period: 30 days
  • Named Ailments: 24 months
  • Pre-Existing Conditions: 36 months
Grace Period 30 days to renew your policy post expiry

Difference between Individual and Family Health Insurance

While choosing between the best health insurance plan for family and an individual plan, it is imperative to address your family's specific needs and compare the available options by thoroughly understanding your requirements.The table below will guide you better on the differences between Individual and family health insurance:

Individual Health Insurance Family Health Insurance
Financial coverage for a single individual against medical emergencies. Financial coverage for the whole family against medical conditions.
The sum insured can only be used by a single insured individual. The sum insured is shared among all the insured members of the family.
The sum insured can range up to ₹1Cr, depending on the chosen plan. Varied sum insured options are available up to ₹6 Cr.
The premium charged depends mainly on the individual’s age. The premium depends mainly on the age of the family's oldest member.
The minimum entry age is 18 years. The minimum entry age is 91 days (with at least 1 individual insured above the age of 18).

How to Buy Family Medical Insurance Plans from Care Health Insurance?

Medical costs are constantly rising, so now is the best time to get healthcare insurance for your whole family. Signing up for our medical policy for families is easy through our digital portal.

Here's how:

Explore and Select Your Plan: Visit our official website and explore the diverse range of family health plans available.

Enter Phone Number: Enter your phone number and click on Get a Quote. You will be redirected to the next page, then click on Calculate Premium.

Select Family Members: Select the members you wish to insure and provide their age. Additionally, input your current residential address pincode for the correct premium based on location.

Review and Customise: Analyse the different plans and their benefits to choose the plan that suits your needs. You can also customise key aspects of your policy, such as tenure, sum insured and add-ons.

Receive Instant Quote: Once selected, you will receive an instant quote for your chosen family health insurance plan.

Provide Required Details: Proceed to purchase by filling in the proposer details, details of insured members, and your KYC details.

Secure Payment: Pay using a secure method such as a payment wallet, net banking, or a debit or credit card. You can also pay the insurance premium in EMI.

Policy Confirmation: Upon successful payment, your policy information, including your policy number and e-card, will be instantly sent to your registered mobile number.

How to File a Claim Under Family Floater Insurance?

Our quick and efficient claim management team helps us serve our customers with the best claim settlement experience!

In the event of emergency hospitalisation, you must inform your insurer via call or mail within 24 hours of hospitalisation. Whereas, in the event of planned hospitalisation, you must inform your insurer at least 48 hours before getting hospitalised. Hereafter, you can file either for a cashless or reimbursement claim.

Cashless Claim Process Reimbursement Claim Process
Step 1: Find a network hospital near you. Step 1: Find a hospital near you and get the treatment at the earliest.
Step 2: At the TPA desk of the hospital, fill out the pre-authorisation request form. Step 2: Upon discharge, you must pay the bill and collect the original receipts.
Step 3: Upon receiving the request from the network hospital, we will start the approval process and keep you informed on your claim status. 
Alternatively you can track your claim status on Care’s Mobile App.
Step 3: Login to www.careinsurance.com and fill in claim form and submit documents including bills, reports, etc.
Step 4:All the further documentation and coordination shall be done with the hospital TPA desk. Step 4: We will reach out to you in case we need any further documents/ information.
Step 5: We settle the bill directly with the hospital upon discharge. Step 5: We will release the approved claim amount to your bank account after completing the query.In case of claim rejection, we will inform you of the reason.

How to Renew Family Health Insurance?

To continue availing of the benefits of family health insurance plans, you must renew the plan before it expires. You can quickly find the expiry date of your health insurance plan on your policy documents. Based on your existing policy details and renewal request, a renewal premium will be communicated to you within the specified period before the policy's expiration.

Care Health Insurance also reminds its customers about the renewal date of their health insurance policy through SMS. Here is how you can renew your family health insurance policy:

Online option

  • On the Care Health Insurance homepage, click on the ‘Renew the policy’ option.
  • Enter your policy number and verify the captcha to proceed.
  • Select the renew option available.
  • You can make changes in your policy like increasing the sum insured, changing the plan, customising the add-ons, etc.
  • Make sure to avail any ongoing offers, discounts, or accumulated bonuses (if any).
  • Submit the documents required.
  • Make the payment to complete the process.

Mobile App

You can renew the policy by using the following steps through the Care Health-Customer App-

  • Download ‘Care Health-Customer App.’
  • Log in through Policy Number/ Mobile Number/ Email ID.
  • Check the policy summary and click on ‘Quick Renew’ or ‘Modify & Renew.’
  • Choose the payment mode and proceed through ‘Quick Renew,’ or modify your details by clicking on the ‘Modify & Renew’ button.
  • Post successful payment, you can download the policy certificate from the Thank You page. You will also receive the payment confirmation along with a transaction number via SMS & email.

Offline option

For renewing your family health insurance policy via the offline method, you need to visit a nearby Care Health Insurance office. Take the required documents with you, along with the policy documents. You can connect with an executive at the office and get the policy renewed by making the payment.

Documents Needed to File a Health Insurance Claim

In order to raise a claim for a family health insurance plan, you need to present a few documents as well. To avoid any back and forth while filing a claim, keep these documents handy at the time of filing a claim.


The documents required for a reimbursement claim include:

  • Duly filled claim form
  • The original discharge summary from the hospital
  • The original medicine bills, lab and diagnostic reports
  • The original hospital bill payment receipt

In case of an accidental hospitalisation, you need to submit the following documents as well:

  • MLC/ FIR copy (if applicable)
  • Alcohol history (if applicable)
  • Investigation reports (like X-Ray/MRI/CT Scan etc.)
  • Attested copy of indoor case papers
  • Invoice and the stickers required in case of implant surgery
  • In case the claim amount ranges above ₹1 lakh, you must provide a copy of any one of the following KYC documents:
  • Aadhaar Card, Passport, Driving Licence, and/or Voter ID

The address on the KYC documents must match the Policy address.

In case of a cashless claim, you need to present a few documents at the hospital desk, like:

  • A copy of the patient's medical ID card
  • A copy of the e-health card ( available at Care Health Customer Application)
  • Pre-authorisation letter
  • A valid government ID proof such as Aadhaar card.

Please note that your policy address must be same as the current residential address to avoid claim rejections.

What is the Process for Adding or Removing Family Members from the Policy?

Under a family floater plan, a child aged between 91 and 180 days can be added mid-policy year. If the child is older than 180 days, they may be added at renewal. Spouse inclusion is also allowed at the time of renewal.

To add or remove family members from the family health insurance policy, follow these steps:

  • Contact the Insurer: Reach out to customer service on WhatsApp at 8860402452 or your agent to request the addition or removal of family members from your policy.
  • Provide Required Documents: To add a member, you may need to submit documents like identity proof, relationship proof, or birth certificates. No additional documents are usually needed to remove a member, but it is essential to specify the request.
  • Recalculate Premiums: Adding or removing members may affect your premium. The insurer will calculate the new premium based on the number of members and their health conditions.
  • Get a Policy Endorsement: Once the changes are confirmed, the insurer will issue a policy endorsement, an official document reflecting the updated details.

     

    Why to Buy Health Insurance Plans for Family Online?

    Investing in the best health cover for family means fewer financial worries tomorrow. Below are the main benefits of buying a family health insurance policy online in India:

     

    Secure Payment Modes

    Secure payment options keep your bank data safe and help you complete the transaction in a few clicks from anywhere, any time.

     

    Chat Option & Easy Policy Evaluation

    We try to resolve all your queries instantly through our chat service. Also, policy evaluation is easy with our precisely spelt-out policy terms.

     

    Instant Premium Quote Calculation

    Make a calculated buying decision by estimating the premium of your policy online. It will help you plan finances and choose affordable coverage.

     

    Convenient Policy Selection

    The website lets you compare coverage, choose, and pay from anywhere. You can also access policy documents online for quick verification.

     

    Readily Available Value-Added Services

    It's easy to add benefits to your family insurance policy, such as OPD care, co-payment waivers, and pre-existing diseases, while purchasing our health policy for your family online.

    Factors Affecting Family Health Insurance Premium

    You may have noticed that the premium charged for health insurance differs from one customer to another. This is because the premium for family health insurance is calculated based on various factors. These include:

    Age of the Oldest Member

    Age plays a crucial role in deciding the premium of a health insurance plan. In the case of family health insurance, the age of the oldest family member is taken into consideration. The older the member, the higher the premium will be. This is because as you grow old, risk of developing health issues increases.

    Pre-existing Diseases

    The insurance premium is likely to go high in case any of the family members suffer from pre-existing diseases like diabetes, thyroid, hypertension, etc., Keep in mind that the waiting period for raising a claim against a pre-existing disease is typically 2 to 4 years.

    Lifestyle Habits

    The lifestyle habits of the family members are also determining factors. The premium charged is often high for a prolonged habit of smoking in the family. Again, the nature of occupation is also crucial since some professions with high health risk are likely to attract higher premiums.

    Location

    The location of your residence also plays a crucial role in determining the premium of a family health insurance plan. Locations with high calamity risks draw higher premiums, considering the chances of claiming the policy.

    Type of Plan Chosen

    The premium varies depending on the type of plan you choose. Although the premium goes up with more coverage and a higher sum insured, you get peace of mind that your finances will be protected even if multiple claims are registered in a policy year.

    Add-ons

    If you choose to increase the coverage of your plan, you may purchase various add-ons available. However, with each add-on, the premium also increases. So, pick only those add-ons that enhances the value for your coverage.

    Co-pay/deductibles

    Co-pay or deductibles are part of the claim that the policyholder has to pay. It may be in terms of a fixed amount or a percentage of the claim. If you choose a higher deductible/co-pay, you are charged a lower premium and vice-versa.

    Duration of the Policy

    The tenure of the family health cover plays a major role in determining the premium of the policy. If you opt for a longer policy duration, you will be charged a lower premium amount. Alternatively, shorter family health insurance plans have a higher premium amount.

    Common Mistakes While Opting for Health Insurance Plans for Family

    Are you opting the right health insurance for your family? This is one question that might pop up in your mind when you are planning a family mediclaim policy. Let's see what are the common mistakes that customers often make and how you can avoid them:

    Low-sum Insured

    When buying family health insurance, people often try to limit themselves to a low-sum insured in order to pay a low premium. This may help you with a lower premium now, but maybe in the long run, you will have to pay from your pocket in case of multiple health emergencies. The best mediclaim policy for a family is the one where you have sufficient coverage for all the family members.

    The Right Approach

    You need to assess the medical needs of your family and try to choose a plan with comprehensive coverage. A higher sum insured may charge you a slightly higher premium, but owing to the rising medical costs, it will definitely be worth it.

    Limiting to Basic Coverage

    The basic coverage of a family health insurance plan includes a range of benefits. A higher coverage means greater insurance benefits. However, sometimes it may be the reason for hike in premium, which is why people tend to limit the basic coverage, ignoring its long-term effect.

    The Right Approach

    The possibility of coverage amount being insufficient is considerably less if it is decided after analysing the family’s insurance needs only. Another way to increase the coverage amount is opting for add-on covers such as sum insured restoration, OPD cover etc. However, always be calculative while buying an add-on cover as it again draws an additional premium.

    Communicating Wrong Information

    In order to avail of insurance benefits, sometimes insurance seekers tend to furnish wrong information related to medical history. Little do they know that insurance companies do their verification for a proper background check. Thus, any miscommunication can lead to policy termination only.

    The Right Approach

    Maintaining transparency while dealing with your insurer is highly appreciated as hiding medical history or presenting wrong information can lead to health insurance policy cancellation.
    You should be 100% truthful and honest with whatever information you are providing to your insurer. For instance, the smoking habit of any of the family members must be declared in the application. During the process, several tests are done at the insurers’ end to ensure genuine documentation.

    Ignoring the Policy Fine-print

    Reading the entire policy document may sound tedious, and many people tend to skip reading the policy documents while buying health insurance. Ideally, you shouldn’t skip it as it can affect your policy experience and may hinder you from availing the best of benefits.

    The Right Approach

    When you are done deciding on a health insurance policy for family, make sure you read the fine print before signing and making the payment. It gives you a complete idea of the plan you are purchasing. You may ask our executive for any doubts and clauses that you may not be able to understand. This way, you can make the most of a family health insurance policy.

    Waiting for the Right Age

    Certain diseases and health conditions develop with age. However, unforeseen medical emergencies can strike anyone. Hence, it is a mistake if you are waiting for the right time to secure your family, is a mistake.

    The Right Approach

    When planning to buy a health insurance plan for family, you need not wait for your youngest member to become old enough. The youngest member of as less as 91 days can join the family health insurance plan. Also, the premium increases with age. Make sure all your family members have access to the best medical facilities with a family health insurance policy.

    Why Choose Care Health Insurance?

    Care Health Insurance offers reliable and flexible health insurance for families, designed to meet financial needs with ease. We offer one of the best mediclaim policy for families. Here’s why-

    • Access well-rounded protection tailored to diverse family needs.
    • Choose from cost-effective plans with extensive benefits.
    • Enjoy cashless treatment at 21,700+ network healthcare providers.
    • Personalise your policy with flexible coverage options and add-ons.
    • Manage your policy easily with our user-friendly services.
    • Rely on trusted, thoughtful coverage that prioritises your family’s well-being.

Disclaimer: All plan features, benefits, coverage, and claims underwriting are subject to policy terms and conditions. Kindly refer to the brochure, sales prospectus, and policy documents carefully.

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Voice of Our Customer

I
ishwarya July 29, 2025
Care Supreme
4

care claim review

really very good service and claim fast way care health insurance ..100 percentage settlement...so sergressed care health. all over india all major hospitals tie up. reasonable premium and attractive benefits in care health in care supreme plan
A
alok July 29, 2025
Care Supreme
5

settlement of claim

it took three days only for reimbursement of my claim. its appreciated. thanks
SK
Srinivas K July 29, 2025
Care Supreme
5

Care Cares well

My wife and I had Health Insurance plan and explored options for renewal. After a detailed review, I found Care Health Insurance to be our choice. The branch Manager at Hyderabad and her Area Manager were very patient in answering all our queries so that we could make an informed decision. We are very happy with our choice . I wish to say Care Cares to our needs. Thanks Care Health Insurance.
SS
Swati Sahu April 29, 2025
Care Supreme
4

Claim Process

Initially, I was apprehensive about purchasing health insurance. But, now I feel taking a policy from Care Health Insurance was the best decision. I have been a Care Health Insurance Customer for the past 5 years, not just because of the benefits they offer but also because the claim process is convenient.
MK
Mahesh Kumar April 29, 2025
Care Supreme
5

Good insurance

My left eye Cataract operation was successfully done on 9 April, I claim reimbursement, I have received amount within 5 days, very good insurance company.
AN
Anilkumar N S April 29, 2025
Care Supreme
5

Sincere thanks to care Health Insurance

ANILKUMAR N SPolicy No. 33472764Tel 9946719517I was delighted to receive the full claim amount without any hassles.The claim processing was efficient, and the insurance team ensured a seamless experience. I highly recommend.Rating 5 out of 5
S
Seetha March 11, 2025
Care Supreme
5

Claim

Claim is super fast and super easy good services
D
Diwakar March 11, 2025
Care Supreme
5

Services and claim

I took a policy in Paris branch chennai mr sudhakar the zonal head of Chennai branch he is so kind and helpful I suggest care is best for all services and claim in care is good and our claims getting approved with in a hour
DD
Divya Dwivedi December 20, 2024
Care Supreme
5

I have been

I really appreciate my
Rahul Sangwan

My appreciation for your prompt service

Recently, I’ve purchased JOY Maternity insurance for my expecting wife and my experience was excellent with the claim settlement team who helped me deal with all the formalities smoothly. Thank you for making my decision the right one!

Rahul Sangwan

Health Insurance

Samanway Barik

We will continue to avail of your scheme

I ported my healthcare plan last year; it is the wisest decision I made by choosing Care Health Insurance. I recently got admitted due to a viral infection, and all my expenses got covered under my plan.

Samanway Barik

Health Insurance

Soubhagya K Kulkarni

Everything went very smooth

Thank you for helping me when I needed help the most, being in the hospital. Buying Care’s health insurance plan is my best decision so far.

Soubhagya K Kulkarni

Health Insurance

Vaibhav Rai

Really helpful explaining the process in advance

Thank you for helping me with your fastest claim settlement process. I didn’t have to wait much for the approval. Everything was quick and seamless.

Vaibhav Rai

Health Insurance

What do Our Customers Say?

FAQs on Family Insurance Plans

Q. Who can be covered under a family health policy?

You can cover self, your spouse, dependent children, parents, and in-laws under our medical insurance for family.

Q. How can I choose the best health insurance policy for family?

Consider factors like sum insured, hospital network, claim process, and add-on benefits to find the best health insurance policy for family that suits you.

Q. Are pre-existing diseases covered under family health insurance plans?

Yes, family health insurance plans cover pre-existing diseases, but there is usually a waiting period of 2 to 4 years, depending on the plan.

Q. Does health insurance cover pregnancy in India?

Yes, our maternity insurance plan at Care Health Insurance covers pregnancy by covering delivery-related, childbirth, and post-natal care expenses.

Q. What is beneficial for me- family cover or individual insurance?

You should prefer a family cover if you have a nuclear family with younger, dependent children. However, if you have older parents, specifically above 60 years of age, you should opt for individual insurance policies for parents.

Q. Is a medical check-up necessary before buying family floater health insurance?

There is no pre-policy medical check-up required under family insurance for a sum insured till 40 lakh and age up to 60 years. However, you might need to undergo medical checks if you are suffering from any pre-existing medical conditions. Also, a higher sum insured requires policyholders to undergo medical checks before policy issuance.

Q. Can I increase my sum insured during the policy tenure?

The sum insured can be increased when you renew the policy, subject to the underwriting decision of the company.

Q. Is COVID-19 treatment covered under Care Family Health Insurance?

Yes, Coronavirus treatment is covered under our Care health insurance plan for a family. It covers medical expenses related to coronavirus treatment.

Q. Can I add family members to a policy I already have?

You can add family members to an existing family mediclaim policy at the time of renewal.

Q. Can I add my parents to my existing family medical insurance?

You can, but using our senior citizen plan is smarter. Having their own policy will give them a higher benefit. It will also cost less because the price of a family policy is based on the eldest member's age.

Q. What are the shortest and longest policies I can get?

The shortest family floater mediclaim policy is one year. The longest one is three years, but it can be renewed for a lifetime.

Q. How long is a child covered under family health insurance plans?

Usually, a family health cover plan covers children up to the age of 24 years. However, the exit age may vary according to the type of plan.

Q. Can I change hospitals while being treated?

Yes — subject to the policy terms and conditions.

Q. How can I check the status of my claim?

To check the claim status, go to the claim section of our website and enter your relevant details.

Q. Can I get cashless hospitalisation for all the covered family members?

Yes. A cashless claim facility is available for all insured members in a family health insurance policy. For this, however, one has to be admitted to one of the network hospitals of Care Health Insurance.

Q. What tax benefits can I get if I pay the premium for mediclaim policy for family?

Under Section 80D of the Income Tax Act, 1961, policyholders of mediclaim policy for family can enjoy tax deductions of up to ₹25,000. Policyholders above 60 years of age can get tax deductions of up to ₹1 lakh in one financial year.

Q. Can I buy more than one family health plan?

Yes, you can buy multiple health insurance plans for family as per your convenience.

Q. How can I compare different medical insurance policy for family?

Right coverage, Sum Insured, premium amount, in-built and optional benefits, and other medical expenses are the prime parameters to analyse different plans.

Q. Which add-on covers are best for family health insurance plans?

Reduction in PED Wait period, Tenure Multiplier, Instant Cover are some of the prominent add-ons.

Q. Can I include my in-laws in a family health insurance plan?

You can propose/ buy a policy for your in-laws but can’t be with them in the same family floater.

Q. Can I buy health insurance for my family online?

Yes, visit www.careinsurance.com , enter your phone number and other details and buy a family health insurance online.

Q. How does No Claim Bonus work in family floater health insurance?

No Claim Bonus depends on the claim amount in a family floater.

Q. Can I get cashless treatment in any city in India under family health insurance?

Yes, we have 21,700+ healthcare providers all over the country which may provide cashless treatment to the insured.

Q. Can I get worldwide coverage under health insurance plans for family in india?

Yes, our Care Advantage provides global coverage under certain policy terms and conditions.

Q. How much health insurance coverage should a family have?

Sum Insured majorly depends on the family’s healthcare needs and medical history. However, as per the current medical costs, the minimum coverage required for a family might be Rs 10 lakh to Rs 15 lakh.

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Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.

~Tax benefit is subject to changes in tax laws. Standard T&C Apply

^^Number of Cashless Healthcare Providers as of Feb 2025

**Number of Claims Settled as of Dec 2024

#Base premium for Ultimate Care is calculated as ₹12/day for an insured member (25 years) who has coverage of 5 Lacs in a zone 3 city (inclusive of 18% GST & 5% digital discount), 10% discount is applicable for a 3-year policy.